Lexus GS 350 Insurance Rates

The average insurance rates for a Lexus GS 350 are $1,262 a year including full coverage. Comprehensive insurance costs on average $270, collision costs $466, and liability coverage costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $2,728 or more. Teen drivers cost the most to insure at $4,708 a year or more.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all GS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why everyone should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $725
• Drivers who choose higher $1,000 deductibles will pay around $170 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,262
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $320 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,728 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $4,708 a year

View Chart as Image

Insurance rates for a Lexus GS 350 also range considerably based on your risk profile, the model of your GS 350, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in Lexus GS 350 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $490 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Lexus GS 350 insurance for high-risk drivers can cost around 45% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Lexus GS 350 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the ideas that were raised in the charts and tables above.

• Teen drivers pay higher rates, with premiums being up to $392 each month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations may pay on average $1,470 more each year to insure their GS 350
• Increasing comprehensive and collision deductibles can save around $500 each year
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date